CN109636144A - The financial technique of block chain risk assessment supply chain, device, equipment and storage medium - Google Patents
The financial technique of block chain risk assessment supply chain, device, equipment and storage medium Download PDFInfo
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- CN109636144A CN109636144A CN201811432034.2A CN201811432034A CN109636144A CN 109636144 A CN109636144 A CN 109636144A CN 201811432034 A CN201811432034 A CN 201811432034A CN 109636144 A CN109636144 A CN 109636144A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/018—Certifying business or products
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The present invention relates to the financial technique of block chain risk assessment supply chain, device, equipment and storage medium, the block chain risk assessment supply chain financial technique includes: to build alliance's chain by block chain technology；Obtain the data of each member on alliance's chain；Risk assessment is carried out to the data of each member, obtains risk evaluation result；If the risk evaluation result is to pass through, alliance's chain is written into the data of each member, obtains the supply chain.The present invention, which has, realizes that the credit of supply chain financial system penetrates, and greatly improves the effect of the circulation of fund；Meanwhile by carrying out risk assessment to each member, there is the safety for improving alliance's chain.
Description
Technical field
The present invention relates to the technical field of block chain, more particularly, to based on block chain financial payment method, device, set
Standby and storage medium.
Background technique
Currently, the problem of medium-sized and small enterprises are in transition and upgrade development process, and majority faces " financing difficulties, financing are expensive ", tradition
The appearance of supply chain financial business has been releived the financing problems of medium-sized and small enterprises, but is still faced with many problems in above-mentioned.
Prior art has the following deficiencies:
1, there are information asymmetry, the risk playing tricks and be tampered, poor information transparency causes Cost of Credit surging；
2, it is related to the aspect processing of accounts payable side, Zeng Xin mechanism and factoring mechanism, spends the time long and at high cost；
3, portfolio is restricted, and medium-sized and small enterprises cannot finance in time, seriously constrains the further development of enterprise.
Summary of the invention
The object of the present invention is to provide a kind of credits for realizing supply chain financial system to penetrate, and greatly improves the stream of fund
The financial technique of block chain risk assessment supply chain, device, equipment and the storage medium turned.
Foregoing invention purpose of the invention has the technical scheme that
Block chain risk assessment supply chain financial technique, the supply chain finance based on block chain technology include:
By block chain technology, alliance's chain is built；Obtain the data of each member on alliance's chain；To the data of each member
Risk assessment is carried out, risk evaluation result is obtained；If the risk evaluation result is to pass through, by the data of each member
Alliance's chain is written, obtains the supply chain.
By using above-mentioned technical proposal, Floor layer Technology using block chain technology as the supply chain utilizes block
The characteristic that can not be distorted, can trace to the source of chain technology, can each member in the supply chain information it is open and clear, reduce
Cost of Credit；Before alliance's chain is written in the data of each member, the data of most each member carry out risk assessment, and assessment is tied
Fruit be by the corresponding data of member, be written alliance's chain, alliance's chain safety can be increased, create a further reduction credit at
This.Meanwhile medium-sized and small enterprises can obtain financing in time and make loans, and be conducive to the development of medium-sized and small enterprises.
The present invention is further arranged to: if the risk evaluation result be pass through, it is described by it is each it is described at
After the step of alliance's chain is written in the data of member, obtains the supply chain, the supply chain gold based on block chain technology
Melt method further include:
The supply chain includes core enterprise, financial institution, supplier and dealer；When the transaction for getting core enterprise's initiation
When request, the supply chain obtains the Transaction Information of the core enterprise；The financial institution obtains in the supply chain
Transaction Information is simultaneously verified；If the Transaction Information is verified, the financial institution is by the supply chain to described
Supplier and the dealer send credit information.
The core can be improved by the supply chain built based on block chain technology by using above-mentioned technical proposal
The transparency of enterprise, financial institution, supplier and distributor information realizes reduction Cost of Credit.
The present invention is further arranged to: if being verified in the Transaction Information, the financial institution passes through institute
After stating the step of supply chain sends credit information to the supplier and dealer, the supply chain based on block chain technology
Financial technique further include:
The financial institution provides financing to the supplier and the dealer according to the intelligent contract pre-established and makes loans；Core
Heart enterprise pays corresponding fund to the supplier and the dealer according to the intelligent contract pre-established；The confession
Answer quotient and the dealer after getting the fund, Xiang Suoshu financial institution payment financing is refunded.
By using above-mentioned technical proposal, by the supply chain built based on block chain technology, the financial institution can
By the intelligent contract pre-established, carries out financing for the supplier and the dealer and make loans, greatly improve fund
Circulation, the development of the supplier and the dealer are promoted in fund.
The present invention is further arranged to: described by block chain technology, building alliance's chain includes:
By hash algorithm, the cryptographic Hash of each block in alliance's chain is calculated；Since second block, each
The cryptographic Hash of a upper block is added in the block, obtains alliance's chain.
By using above-mentioned technical proposal, alliance's chain is built based on block chain technology, utilizes the block chain technology
Can not distort, retrospective characteristic, the information of each member in alliance's chain can be made open and clear, and safety is steady
It is fixed, reduce Cost of Credit.
The present invention is further arranged to: the data to each member carry out risk assessment, obtain risk assessment knot
Fruit includes:
Obtain the air control data of each member；
According to the air control data, operation is carried out according to preset mode to each member, obtains the assessment score；
The assessment score is compared with preset threshold value, if the assessment score meets or exceeds the threshold value,
To the risk evaluation result be pass through, if the assessment score less than the threshold value, the obtained risk assessment knot
Fruit is not pass through.
It by using above-mentioned technical proposal, is assessed by the air control data to each member, is carried out with preset threshold value
Comparison, obtains corresponding assessment result, the creditworthiness of each member in alliance's chain can be made more reliable, be also convenient for finance
Mechanism sends credit information to each member in alliance's chain.
Foregoing invention purpose two of the invention has the technical scheme that
Supply chain financial instrument based on block chain technology includes:
Alliance's chain builds module, for building alliance's chain by block chain technology；
Module is obtained, for obtaining the data of each member on alliance's chain；
Risk evaluation module carries out risk assessment for the data to each member, obtains risk evaluation result；
Data write. module, if being to pass through for the risk evaluation result, described in the data write-in by each member
Alliance's chain obtains the supply chain.
By using above-mentioned technical proposal, Floor layer Technology using block chain technology as the supply chain utilizes block
The characteristic that can not be distorted, can trace to the source of chain technology, can each member in the supply chain information it is open and clear, reduce
Cost of Credit；Before alliance's chain is written in the data of each member, the data of most each member carry out risk assessment, and assessment is tied
Fruit be by the corresponding data of member, be written alliance's chain, alliance's chain safety can be increased, create a further reduction credit at
This.Meanwhile medium-sized and small enterprises can obtain financing in time and make loans, and be conducive to the development of medium-sized and small enterprises.
Foregoing invention purpose three of the invention has the technical scheme that
A kind of computer equipment, including memory, processor and storage are in the memory and can be on the processor
The computer program of operation, the processor realize above-mentioned block chain risk assessment supply chain gold when executing the computer program
The step of melting method.
Foregoing invention purpose four of the invention has the technical scheme that
A kind of computer readable storage medium, the computer-readable recording medium storage have computer program, the computer
The step of above-mentioned block chain risk assessment supply chain financial technique is realized when program is executed by processor.
In conclusion advantageous effects of the invention are as follows:
1. using Floor layer Technology of the block chain technology as the supply chain, using can not the distorting of block chain technology, can trace to the source
Characteristic, can each member in the supply chain information it is open and clear, reduce Cost of Credit；By each member's
Data are written before alliance's chain, and the data of most each member carry out risk assessment, by assessment result be by the corresponding number of member
According to write-in alliance's chain can increase alliance's chain safety, create a further reduction Cost of Credit.Meanwhile medium-sized and small enterprises can and
When obtain financing make loans, be conducive to the development of medium-sized and small enterprises；
2. can be improved the core enterprise, financial institution, supplier and warp by the supply chain built based on block chain technology
The transparency for selling quotient's information, realizes reduction Cost of Credit；
3. by the supply chain built based on block chain technology, the financial institution can by the intelligent contract that pre-establishes,
Financing is carried out for the supplier and the dealer to make loans, and greatly improves the circulation of fund, institute is promoted in fund
State the development of supplier and the dealer.
Detailed description of the invention
Fig. 1 is an application environment schematic diagram of block chain risk assessment supply chain financial technique in one embodiment of the invention.
Fig. 2 is a flow chart of block chain risk assessment supply chain financial technique in one embodiment of the invention.
Fig. 3 is another flow chart of block chain risk assessment supply chain financial technique in one embodiment of the invention.
Fig. 4 is another flow chart of block chain risk assessment supply chain financial technique in one embodiment of the invention.
Fig. 5 be in one embodiment of the invention in block chain risk assessment supply chain financial technique to the realization stream of step S10
Cheng Tu.
Fig. 6 be in one embodiment of the invention in block chain risk assessment supply chain financial technique to the realization stream of step S30
Cheng Tu.
Fig. 7 is a functional block diagram of block chain risk assessment supply chain financial instrument in one embodiment of the invention.
Fig. 8 is a schematic diagram of computer equipment in one embodiment of the invention.
Specific embodiment
Below in conjunction with attached drawing, invention is further described in detail.
Block chain risk assessment supply chain financial technique provided by the present application, can be applicable in the application environment such as Fig. 1,
In, client (computer equipment) is communicated by network with server-side.Client sends each in supply chain to server-side
The Transaction Information that member issues.After server-side gets the data, according to the content of the intelligent contract pre-set, response should
Transaction Information.Wherein, client (computer equipment) can be, but not limited to various personal computers, laptop, intelligent hand
Machine, tablet computer and portable wearable device.Server-side can use the either multiple server compositions of independent server
Server cluster is realized.
Embodiment one:
Referring to Fig. 2, it is a kind of block chain risk assessment supply chain financial technique disclosed by the invention, is applied in this way in Fig. 1
In server for be illustrated, include the following steps:
S10: by block chain technology, alliance's chain is built.
In the present embodiment, block chain refers to Distributed Storage, point-to-point transmission, common recognition mechanism, Encryption Algorithm etc.
The new application mode of computer technology.Alliance's chain refers to the member and limited third party just for some specific group, interior
Portion specifies the node of multiple pre-selections for book keeping operation people, and each piece of generation is codetermined by all preselected nodes, other access sections
Point can participate in business, but keep aloof from accounting procedure, other third parties can be defined by the open interface of the block chain
Inquiry.
Specifically, alliance's chain is built by block chain technology using each enterprise as corresponding node.
S20: the data of each member on alliance's chain are obtained.
Specifically, the data that each member sends when alliance's chain is added are obtained, which is used to distinguish the category of each member
Property.
S30: risk assessment is carried out to the data of each member, obtains risk evaluation result.
In the present embodiment, it after risk evaluation result refers to the data progress risk assessment to each member, obtains corresponding
As a result.
Specifically, the data for putting each member in alliance's chain carry out risk assessment according to preset mode or rule, obtain
To the corresponding risk evaluation result of each member.
S40: if risk evaluation result is to pass through, alliance's chain is written into the data of each member, obtains supply chain.
Specifically, alliance's chain is written in the data that will acquire, and obtains the supply chain.
Floor layer Technology using block chain technology as supply chain using can not the distorting of block chain technology, can trace to the source
Characteristic, the information for capableing of each member in supply chain is open and clear, reduces Cost of Credit；It is write by the data of each member
Before entering alliance's chain, the data of most each member carry out risk assessment, by assessment result be by the corresponding data of member, write-in
Alliance's chain can increase alliance's chain safety, create a further reduction Cost of Credit.Meanwhile medium-sized and small enterprises can obtain in time
Financing is made loans, and the development of medium-sized and small enterprises is conducive to.
In one embodiment, as shown in figure 3, after step S30, block chain risk assessment supply chain financial technique is also wrapped
Include following steps:
S41: supply chain includes core enterprise, financial institution, supplier and dealer.
In the present embodiment, core enterprise refers to the Finance Issue for solving supplier, dealer, strengthens financing function
Enterprise.Financial institution refers to the financing corporations such as business bank, factoring company, little Dai company, P2P company.It supplier and sells
Quotient is the medium-sized and small enterprises to commence business around the core enterprise.Supplier and dealer can rely on the credit of core enterprise to enjoy
Inexpensive financial service optimizes cash flow, promotes the rate of capital turnover.
S50: when getting the transaction request of core enterprise's initiation, supply chain obtains the Transaction Information of core enterprise.
In the present embodiment, when core enterprise has transaction to occur and issues transaction request to supply chain, supply chain is obtained
The Transaction Information that core enterprise issues.The Transaction Information includes particular transactions content.
S60: financial institution obtains the Transaction Information in supply chain and is verified.
Specifically, which obtains and inquires the Transaction Information in supply chain, verifies the authenticity of the Transaction Information.
S70: if Transaction Information is verified, financial institution sends credit letter to supplier and dealer by supply chain
Breath.
Specifically, when financial institution to the Transaction Information after being verified, which sends credit to supply chain
Information, supplier and dealer obtain the credit information by supply chain.Wherein, the credit information refer to financial institution allow to
The amount information that supplier and dealer offer loans.
In one embodiment, as shown in figure 4, after the step s 70, block chain risk assessment supply chain financial technique is also wrapped
Include following steps:
S71: financial institution provides financing to supplier and dealer according to the intelligent contract pre-established and makes loans.
In the present embodiment, intelligent contract, which refers to, a kind of is intended to be propagated, verify or executed in terms of contract in information-based mode
Calculation machine agreement.Intelligent contract permission carries out credible transaction in no third-party situation, these transaction are traceable and irreversible
Turn.
Specifically, the amount offered loans that financial institution includes according to the intelligence contract and credit information, to supplier
Financing is provided with dealer to make loans.
S72: core enterprise pays corresponding fund to supplier and dealer according to the intelligent contract pre-established.
Specifically, when trading generation, to supplier and available from core enterprise according to intelligent contract and particular transactions content
Fund when quotient's payment transaction occurs.
S73: supplier and dealer pay financing to financial institution and refund after getting fund.
Specifically, it after the style that supplier and dealer get core enterprise's payment, pays and finances to financial institution
It refunds.
In one embodiment, as shown in figure 5, in step S10, i.e., by block chain technology, alliance's chain is built, is specifically included
Following steps:
S11: by hash algorithm, the cryptographic Hash of each block in alliance's chain is calculated.
In the present embodiment, hash algorithm refers to the input (be called and be preliminary mapping pre-image) of random length by dissipating
At the output of regular length, which is exactly hashed value or cryptographic Hash for column algorithmic transformation.
Specifically, each nodal information of alliance's chain calculates the cryptographic Hash of each block as a block.
S12: since second block, the cryptographic Hash of a upper block is added in each block, obtains alliance's chain.
It specifically, will by the way that the mode of the cryptographic Hash of a upper block is added in each block since second block
Each block forms chain structure, obtains alliance's chain.
In one embodiment, as shown in fig. 6, in step S30, i.e., risk assessment is carried out to the data of each member, obtains wind
Dangerous assessment result, specifically comprises the following steps:
S31: the air control data of each member are obtained.
In the present embodiment, air control data refer to when registering on each member alliance chain, the data of submission.Wherein it can wrap
It includes: member's essential information, total accrediting amount, overdue loan information, credit information and refund information etc..
Specifically, in each member register information in alliance's chain, the air control data are obtained.
S32: according to air control data, carrying out operation according to preset mode to each member, obtains assessment score.
Specifically, according to preset mode or rule, the air control data of each member are calculated, obtain assessment point
Number.For example, when having excellent record, such as refund in time, it is corresponding to add corresponding score；Record of bad behavior is such as overdue refund,
Corresponding score is then deducted, the assessment score is finally obtained.
S33: assessment score is compared with preset threshold value, if assessment score meets or exceeds threshold value, is obtained
Risk evaluation result is to pass through, if assessment score is less than threshold value, obtained risk evaluation result is not pass through.
Specifically, assessment score is compared with preset threshold value, if assessment score meets or exceeds threshold value, is obtained
Risk evaluation result be pass through, if assessment score be less than threshold value, obtained risk evaluation result be do not pass through.
Embodiment two:
In one embodiment, a kind of block chain risk assessment supply chain financial instrument is provided, the block chain risk assessment supply chain
Block chain risk assessment supply chain financial technique corresponds in financial instrument and above-described embodiment.As shown in fig. 7, the block chain
Risk assessment supply chain financial instrument include alliance's chain build module 10, obtain module 20, risk evaluation module 30 and data are write
Enter module 40.Detailed description are as follows for each functional module:
Alliance's chain builds module 10, for building alliance's chain by block chain technology；
Module 20 is obtained, for obtaining the data of each member on alliance's chain；
Risk evaluation module 30 carries out risk assessment for the data to each member, obtains risk evaluation result
If being to pass through for the risk evaluation result alliance's chain is written in the data of each member by Data write. module 40,
Obtain supply chain.
Preferably, block chain risk assessment supply chain financial instrument further include:
Supply chain module 40 includes core enterprise, financial institution, supplier and dealer for supply chain；
Transaction sending module 50, for when getting the transaction request of core enterprise's initiation, supply chain to obtain core enterprise
Transaction Information；
Authentication module 60 obtains the Transaction Information in supply chain for financial institution and is verified；
Credit information sending module 70, if being verified for Transaction Information, financial institution by supply chain to supplier and
Dealer sends credit information.
Preferably, block chain risk assessment supply chain financial instrument further include:
Financing is made loans module 71, for financial institution according to the intelligent contract pre-established to supplier and dealer's offer financing
It makes loans；
Transaction modules 72 pay corresponding money to supplier and dealer according to the intelligent contract pre-established for core enterprise
?；
Refund module 73 of financing pays financing to financial institution and refunds for supplier and dealer after getting fund.
Preferably, alliance's chain builds module 10 and includes:
Computational submodule 11, for calculating the cryptographic Hash of each block in alliance's chain by hash algorithm；
Block link module 12, for the cryptographic Hash of a upper block being added in each block, obtains since second block
Alliance's chain.
Preferably, risk evaluation module 30 includes:
Air control data acquisition submodule 31, for obtaining the air control data of each member；
Computational submodule 32 obtains assessment point for carrying out operation according to preset mode to each member according to air control data
Number；
Submodule 33 is assessed, is compared for score will to be assessed with preset threshold value, if assessment score meets or exceeds threshold value,
The risk evaluation result then obtained is to pass through, if assessment score is less than threshold value, obtained risk evaluation result is not pass through.
Specific restriction about block chain risk assessment supply chain financial instrument may refer to above for block chain wind
The restriction of danger assessment supply chain financial technique, details are not described herein.In above-mentioned block chain risk assessment supply chain financial instrument
Modules can be realized fully or partially through software, hardware and combinations thereof.Above-mentioned each module can be embedded in the form of hardware
Or independently of in the processor in computer equipment, can also be stored in a software form in the memory in computer equipment,
The corresponding operation of the above modules is executed in order to which processor calls.
Embodiment three:
In one embodiment, a kind of computer equipment is provided, which can be server, internal structure chart
It can be as shown in Figure 8.The computer equipment includes processor, memory, network interface and the data connected by system bus
Library.Wherein, the processor of the computer equipment is for providing calculating and control ability.The memory of the computer equipment includes non-
Volatile storage medium, built-in storage.The non-volatile memory medium is stored with operating system, computer program and database.
The built-in storage provides environment for the operation of operating system and computer program in non-volatile memory medium.The computer is set
Standby database is used to store the information of each member in supply chain.The network interface of the computer equipment is used for and external end
End passes through network connection communication.To realize a kind of block chain risk assessment supply chain gold when the computer program is executed by processor
Melt method.
In one embodiment, a kind of computer equipment is provided, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, processor perform the steps of when executing computer program
By block chain technology, alliance's chain is built；
Obtain the data of each member on alliance's chain；
Risk assessment is carried out to the data of each member, obtains risk evaluation result；
If risk evaluation result is to pass through, alliance's chain is written into the data of each member, obtains supply chain.
Example IV:
In one embodiment, a kind of computer readable storage medium is provided, computer program, computer journey are stored thereon with
It is performed the steps of when sequence is executed by processor
By block chain technology, alliance's chain is built；
Obtain the data of each member on alliance's chain；
Risk assessment is carried out to the data of each member, obtains risk evaluation result；
If risk evaluation result is to pass through, alliance's chain is written into the data of each member, obtains supply chain.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM(EPROM), electrically erasable ROM(EEPROM) or flash memory.Volatile memory may include
Random-access memory (ram) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM(SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM(ESDRAM), synchronization link (Synchlink) DRAM(SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.
The embodiment of present embodiment is presently preferred embodiments of the present invention, not limits protection of the invention according to this
Range, therefore: the equivalence changes that all structures under this invention, shape, principle are done, should all be covered by protection scope of the present invention it
It is interior.
Claims (10)
1. block chain risk assessment supply chain financial technique, which is characterized in that block chain risk assessment supply chain finance side
Method includes:
By block chain technology, alliance's chain is built；
Obtain the data of each member on alliance's chain；
Risk assessment is carried out to the data of each member, obtains risk evaluation result；
If the risk evaluation result is to pass through, alliance's chain is written into the data of each member, obtains the confession
Answer chain.
2. block chain risk assessment supply chain financial technique as described in claim 1, which is characterized in that if in the wind
Dangerous assessment result is to pass through, then alliance's chain is written in the data by each member, obtains the step of the supply chain
After rapid, the supply chain financial technique based on block chain technology further include:
The supply chain includes core enterprise, financial institution, supplier and dealer；
When getting the transaction request of core enterprise's initiation, the supply chain obtains the Transaction Information of the core enterprise；
The financial institution obtains the Transaction Information in the supply chain and is verified；
If the Transaction Information is verified, to the supplier and described available from the financial institution by the supply chain
Quotient sends credit information.
3. block chain risk assessment supply chain financial technique as claimed in claim 2, which is characterized in that if in the friendship
Easy information is verified, then the financial institution sends credit information to the supplier and dealer by the supply chain
After step, the supply chain financial technique based on block chain technology further include:
The financial institution provides financing to the supplier and the dealer according to the intelligent contract pre-established and makes loans；
Core enterprise pays corresponding fund to the supplier and the dealer according to the intelligent contract pre-established；
After getting the fund, Xiang Suoshu financial institution payment financing is refunded by the supplier and the dealer.
4. block chain risk assessment supply chain financial technique as described in claim 1, which is characterized in that described to pass through block chain
Technology, building alliance's chain includes:
By hash algorithm, the cryptographic Hash of each block in alliance's chain is calculated；
Since second block, the cryptographic Hash of a upper block is added in each block, obtains described
Alliance's chain.
5. block chain risk assessment supply chain financial technique as described in claim 1, which is characterized in that it is described to it is each it is described at
The data of member carry out risk assessment, and obtaining risk evaluation result includes:
Obtain the air control data of each member；
According to the air control data, operation is carried out according to preset mode to each member, obtains the assessment score；
The assessment score is compared with preset threshold value, if the assessment score meets or exceeds the threshold value,
To the risk evaluation result be pass through, if the assessment score less than the threshold value, the obtained risk assessment knot
Fruit is not pass through.
6. block chain risk assessment supply chain financial instrument, which is characterized in that the supply chain finance based on block chain technology
Device includes:
Alliance's chain builds module, for building alliance's chain by block chain technology；
Module is obtained, for obtaining the data of each member on alliance's chain；
Risk evaluation module carries out risk assessment for the data to each member, obtains risk evaluation result；
Data write. module, if being to pass through for the risk evaluation result, described in the data write-in by each member
Alliance's chain obtains the supply chain.
7. block chain risk assessment supply chain financial instrument as claimed in claim 6, which is characterized in that described to be based on block chain
The supply chain financial instrument of technology further include:
Supply chain module includes core enterprise, financial institution, supplier and dealer for the supply chain；
Transaction sending module, for when getting the transaction request of core enterprise's initiation, the supply chain to obtain the core
The Transaction Information of enterprise；
Authentication module obtains the Transaction Information in the supply chain for the financial institution and is verified；
Credit information sending module, if being verified for the Transaction Information, the financial institution passes through the supply chain
Credit information is sent to the supplier and the dealer.
8. block chain risk assessment supply chain financial instrument as claimed in claim 6, which is characterized in that the risk assessment mould
Block includes:
Air control data acquisition submodule, for obtaining the air control data of each member；
Computational submodule, for carrying out operation according to preset mode to each member, obtaining according to the air control data
The assessment score；
Submodule is assessed, for the assessment score to be compared with preset threshold value, if the assessment score reaches or surpasses
The threshold value is crossed, then the risk evaluation result obtained is to pass through, if the assessment score is less than the threshold value, is obtained
The risk evaluation result is not pass through.
9. computer equipment, including memory, processor and storage can transport in the memory and on the processor
Capable computer program, which is characterized in that the processor realizes such as claim 1 to 5 times when executing the computer program
The step of supply chain financial technique based on block chain technology described in one.
10. computer readable storage medium, the computer-readable recording medium storage has computer program, which is characterized in that
The supply based on block chain technology as described in any one of claim 1 to 5 is realized when the computer program is executed by processor
The step of chain financial technique.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811432034.2A CN109636144B (en) | 2018-11-28 | 2018-11-28 | Block chain risk assessment supply chain financial method, device, equipment and storage medium |
Applications Claiming Priority (1)
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| CN110458662A (en) * | 2019-08-06 | 2019-11-15 | 西安纸贵互联网科技有限公司 | Anti- fraud air control method and device |
| CN110580651A (en) * | 2019-09-19 | 2019-12-17 | 宋海军 | Channel financial borrowing and lending method based on block chain |
| CN110648138A (en) * | 2019-09-30 | 2020-01-03 | 支付宝(杭州)信息技术有限公司 | Transaction query and transaction data processing method, device and equipment based on block chain |
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| CN110580651A (en) * | 2019-09-19 | 2019-12-17 | 宋海军 | Channel financial borrowing and lending method based on block chain |
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| CN112884259A (en) * | 2019-11-29 | 2021-06-01 | 财团法人亚洲大学 | Cross-enterprise credit rating and risk assessment method and system |
| CN110992170A (en) * | 2019-11-29 | 2020-04-10 | 上海玉薇科技有限公司 | Supply chain finance wind control system based on block chain |
| CN110992034A (en) * | 2019-12-13 | 2020-04-10 | 深圳市网心科技有限公司 | Supply chain transaction privacy protection system and method based on block chain and related equipment |
| CN111260473A (en) * | 2020-01-17 | 2020-06-09 | 深圳前海点金保理有限公司 | Supply chain financial platform system based on block chain technology |
| CN111369337A (en) * | 2020-02-21 | 2020-07-03 | 深圳微众信用科技股份有限公司 | Credit wind control system, method, equipment and medium based on block chain |
| CN111369337B (en) * | 2020-02-21 | 2023-12-01 | 深圳微众信用科技股份有限公司 | Block chain-based trust air control system, method, equipment and medium |
| CN111709801A (en) * | 2020-06-11 | 2020-09-25 | 上海坤振集成电路有限公司 | Credit evaluation method and device, block chain system, equipment and storage medium |
| CN113034274A (en) * | 2020-08-19 | 2021-06-25 | 深圳大学 | Supply chain financial service system and method based on block chain and terminal equipment |
| CN113269638A (en) * | 2021-04-28 | 2021-08-17 | 阜阳市星启链数据科技有限公司 | Financial risk analysis system based on block chain |
| CN115115290A (en) * | 2022-08-29 | 2022-09-27 | 深圳装速配科技有限公司 | Building material supplier management system and method based on risk assessment |
| CN115115290B (en) * | 2022-08-29 | 2023-01-06 | 深圳装速配科技有限公司 | Building material supplier management system and method based on risk assessment |
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